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3462 Monroe Ave
Pittsford, NY 14534

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No-Fault vs. Fault Auto Insurance States: What’s the Difference?

A car accident can set off a number of stressful issues, from dealing with car repairs to figuring out medical bills. If you’ve been in a car accident, it’s important to understand whether you’re in a fault or no-fault state to understand who will be responsible for paying your medical bills. 

No-Fault vs. Fault Auto Insurance States

In a fault insurance state, the person who caused the accident is responsible for paying the other person’s medical bills. In some cases, this can stop people from getting the treatment they need as they wait for the other party’s insurance company to pay their bills. In a no-fault insurance state, each driver is responsible for their own medical bills through the personal injury protection (PIP) portion of their insurance plan. 

There are twelve no-fault states in the U.S.: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. If you live in a no-fault insurance state, it’s possible that your overall insurance premium will be lower than if you lived in an at-fault state. This is due to the fact that insurance companies pay less for medical bills since there is no back-and-forth following a car accident that results in injury.

If you’re at fault for the accident, your rates will still likely increase, as your insurance company will still be responsible for the other party’s vehicle repairs.

Searching for the right car insurance for you in Rochester, NY? Bajorek Agency Inc can help. 

At Bajorek Agency Inc, we’re excited to serve the Rochester, NY area. We’d love to chat with you about our auto insurance options and create a policy that makes sense for you and your family. Reach out to us today to learn more.

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